STEVENS
ActiveSummary
STEVENS has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €83,889 and a net result of €10,440. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 93% of 2318 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▼-5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 7.41 against 3.21 in 2024; short-term debt: 12.3% and cash: 46.5% of total assets), and 12.3% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 93
Relative position
BE, all sectors
reference
Sports, amusement and recreation activities (NACE 93)
about 50% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
87.7%
Return on assets
10.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
28 d late
2023
16 d early
2022
20 d early
2021
22 d late
2020
19 d early
2019
16 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€83,889▲ 14.2%
2024 · €73,449
Total assets
€95,700▼ 0.6%
2024 · €96,309
Net result
€10,440▼ 23.7%
2024 · €13,684
Working capital
€75,680▲ 49.8%
2024 · €50,531
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€21,970€5,044▼ 77.0%€24,193▲ 380%€26,834▲ 10.9%€17,229▼ 35.8%
Net result€20,152-€650€13,240€13,684▲ 3.4%€10,440▼ 23.7%
Equity€49,704▲ 68.2%€46,525▼ 6.4%€59,765▲ 28.5%€73,449▲ 22.9%€83,889▲ 14.2%
Total assets€89,050▲ 58.6%€90,289▲ 1.4%€96,027▲ 6.4%€96,309▲ 0.3%€95,700▼ 0.6%
Debt€39,346▲ 47.9%€43,764▲ 11.2%€36,262▼ 17.1%€22,859▼ 37.0%€11,811▼ 48.3%
Working capital-€11,953▼ 293%€198€24,094▲ 12,060%€50,531▲ 110%€75,680▲ 49.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €95,700
Fixed assets
€8,209 ▼ 64.2%
Current assets
€87,491 ▲ 19.2%
Equity and liabilities €95,700
Equity
€83,889 ▲ 14.2%
Debt
€11,811 ▼ 48.3%
Debt's share of the balance-sheet total falls from 23.7% to 12.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€31,939▼
2024 · €43,305
Cash flow
€25,150▼
2024 · €30,156
Current ratio
7.41▲
2024 · 3.21
Debt to equity
0.14▼
2024 · 0.31
ROE
12.4%▼
2024 · 18.6%
ROA
10.9%▼
2024 · 14.2%
Interest coverage
33.93▼
2024 · 44.63
Debt ≤ 1 year
€11,811▼
2024 · €22,859
Income taxes
€7,832▼
2024 · €12,871
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €16,378 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,674 | €21,573 | €16,974 | €16,471 | €14,710 | ▼ 10.7% |
| Other operating charges640/8 | €4,129 | €2,606 | €3,894 | €2,497 | €1,960 | ▼ 21.5% |
| Gross operating margin9900 | €40,774 | €29,223 | €45,060 | €45,803 | €33,899 | ▼ 26.0% |
| Operating profit (loss)9901 | €21,970 | €5,044 | €24,193 | €26,834 | €17,229 | ▼ 35.8% |
| Financial income75/76B | €35 | €0 | €0 | €692 | €1,984 | ▲ 187% |
| Recurring financial income75 | €35 | €0 | €0 | €692 | €1,984 | ▲ 187% |
| Financial charges65/66B | €1,278 | €1,485 | €1,049 | €970 | €941 | ▼ 3.0% |
| Recurring financial charges65 | €1,278 | €1,485 | €1,049 | €970 | €941 | ▼ 3.0% |
| Profit (loss) for the period before taxes9903 | €20,727 | €3,559 | €23,144 | €26,556 | €18,272 | ▼ 31.2% |
| Income taxes67/77 | €575 | €4,209 | €9,904 | €12,871 | €7,832 | ▼ 39.1% |
| Profit (loss) for the period9904 | €20,152 | -€650 | €13,240 | €13,684 | €10,440 | ▼ 23.7% |
| Profit (loss) for the period to be appropriated9905 | €20,152 | -€650 | €13,240 | €13,684 | €10,440 | ▼ 23.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €89,050 | €90,289 | €96,027 | €96,309 | €95,700 | ▼ 0.6% |
| Fixed assets21/28 | €77,937 | €56,364 | €39,390 | €22,919 | €8,209 | ▼ 64.2% |
| Tangible fixed assets22/27 | €77,937 | €56,364 | €39,390 | €22,919 | €8,209 | ▼ 64.2% |
| Land and buildings22 | €7,745 | €5,759 | €3,944 | €1,746 | €1,310 | ▼ 25.0% |
| Plant, machinery and equipment23 | €1,533 | €1,203 | €873 | €544 | €214 | ▼ 60.7% |
| Furniture and vehicles24 | €68,659 | €49,401 | €34,572 | €20,629 | €6,685 | ▼ 67.6% |
| Current assets29/58 | €11,113 | €33,925 | €56,637 | €73,390 | €87,491 | ▲ 19.2% |
| Amounts receivable within one year40/41 | €3,048 | €13,465 | €146 | €32,151 | €41,596 | ▲ 29.4% |
| Trade receivables40 | - | €13,465 | €91 | €91 | €270 | ▲ 198% |
| Other amounts receivable41 | €3,048 | - | €55 | €32,060 | €41,326 | ▲ 28.9% |
| Cash at bank and in hand54/58 | €4,975 | €17,105 | €52,553 | €36,474 | €44,471 | ▲ 21.9% |
| Deferred charges and accrued income490/1 | €3,090 | €3,354 | €3,938 | €4,765 | €1,424 | ▼ 70.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €89,050 | €90,289 | €96,027 | €96,309 | €95,700 | ▼ 0.6% |
| Equity10/15 | €49,704 | €46,525 | €59,765 | €73,449 | €83,889 | ▲ 14.2% |
| Contributions10/11 | €29,700 | €29,700 | €29,700 | €29,700 | €29,700 | = |
| Reserves13 | €20,004 | €16,825 | €30,065 | €43,749 | €54,189 | ▲ 23.9% |
| Non-distributable reserves130/1 | €2,970 | €2,970 | €2,970 | €2,970 | €2,970 | = |
| Reserves not available under the articles1311 | €2,970 | €2,970 | €2,970 | €2,970 | €2,970 | = |
| Tax-exempt reserves132 | €15,793 | - | - | - | - | - |
| Distributable reserves133 | €1,241 | €13,855 | €27,095 | €40,779 | €51,219 | ▲ 25.6% |
| Amounts payable17/49 | €39,346 | €43,764 | €36,262 | €22,859 | €11,811 | ▼ 48.3% |
| Amounts payable after more than one year17 | €16,280 | €10,037 | €3,720 | - | - | - |
| Financial debts170/4 | €16,280 | €10,037 | €3,720 | - | - | - |
| Amounts payable within one year42/48 | €23,066 | €33,727 | €32,542 | €22,859 | €11,811 | ▼ 48.3% |
| Current portion of amounts payable after more than one year42 | €8,711 | €6,243 | €6,317 | €3,720 | - | - |
| Financial debts43 | €4,823 | - | - | €2,539 | €2,381 | ▼ 6.2% |
| Credit institutions430/8 | €4,823 | - | - | - | - | - |
| Other loans439 | - | - | - | €2,539 | €2,381 | ▼ 6.2% |
| Trade debts44 | €6,469 | €1,721 | €4,463 | €1,790 | €4,405 | ▲ 146% |
| Suppliers440/4 | €6,469 | €1,721 | €4,463 | €1,790 | €4,405 | ▲ 146% |
| Advances received on contracts in progress46 | - | €15,090 | €75 | - | - | - |
| Taxes, remuneration and social security45 | €3,064 | €10,672 | €16,800 | €14,811 | €2,403 | ▼ 83.8% |
| Taxes450/3 | €911 | €8,563 | €14,192 | €14,811 | €2,403 | ▼ 83.8% |
| Remuneration and social security454/9 | €2,153 | €2,110 | €2,608 | - | - | - |
| Other amounts payable47/48 | - | - | €4,887 | - | €2,621 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20,152 | -€650 | €13,240 | €13,684 | €10,440 | ▼ 23.7% |
| + Depreciation and write-downs630 | €14,674 | €21,573 | €16,974 | €16,471 | €14,710 | ▼ 10.7% |
| Operating cash flow (approximation) | €34,826 | €20,923 | €30,213 | €30,156 | €25,150 | ▼ 16.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €12,130 | €35,447 | -€16,079 | €7,996 | ▲ 150% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 7.41
Current ratio from 3.21 to 7.41; short-term debt falls from €22,859 to €11,811.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €13,240
Net result €13,240 after one loss-making year.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 1.01
Current ratio from 0.48 to 1.01.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Back to profitnet €20,152
Net result €20,152 after 2 loss-making years.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet -€27,724
Net result drops to -€27,724, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Putte · 1 establishment unit since 1992
Ground area
568 m²
Building footprint
441 m²
Volume, LiDAR
2,067 m³
Parcel 12029A0770/00A002, Flanders · tallest building 10.4 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Mechelbaan 480, 2580 Putte
since 19922.059.659.990
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12029A0770/00A002 | Flanders | 568 m² | 1 · 441 m² | 10.4 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,520 companies in sector 93130 we hold annual accounts for 688. 535 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded14-05-1991
Fiscal year end31-12
Activities, NACEBEL 2025
93130Fitness centres
86951Physiotherapy
Scores and ratios are computed by Checked and are not a credit decision.